Rev. October 2013

FACTS

WHAT DOES NEIGHBORHOOD NATIONAL BANK
DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
■ Social Security number and Checking Account Information
■ Credit History and Employment Information
■ Assets and Overdraft History
When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Neighborhood National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Neighborhood National Bank share?

Can you limit this sharing?

For our everyday business purposes-
such as to process your transactions, maintain
your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes-
to offer our products and services to you.

Yes

No

For joint marketing with other financial companies-

No

We don't share

For our affiliates' everyday business purposes- information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes- information about your creditworthiness

No

We don't share

For non-affiliates to market to you-

No

We don't share

Questions?

Call 619 789-4400 - or go to our website at www.mynnb.com

Who we are

Who is providing this notice?

NEIGHBORHOOD NATIONAL BANK

What we do

How does Neighborhood National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We limit the access to your personal information only to those employees with a need to know such information.

How does Neighborhood National Bank collect my personal information?

We collect your personal information, for example, when you
■ Open an account or Make Deposits or withdrawals from your account
■ Pay your bills or Apply for a loan
■ Use your credit or debit card.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only
■ sharing for affiliates' everyday business
purposes-information about your
creditworthiness
■ affiliates from using your information to market
to you
■ sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
■ Neighborhood National Bank does not share with
our affiliates, Neighborhood Capital Advisors or
Neighborhood Opportunities Corporation.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
■  Neighborhood National Bank does not share
with non-affiliates  so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.
■ Neighborhood National Bank does not jointly
market.